SBA lender profile
Southern Michigan Bank & Trust
Southern Michigan Bank & Trust appears in the public SBA loan data with 62 funded 7(a) loans since FY2010, totaling $41.4M, an average of $668K per loan, and an estimated 940 jobs supported. Its SBA lending concentrates in Michigan and the Retail Trade sector. Across its 7(a) loans, the charge-off rate is 0.0%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 82
- Scale 45
- Activity 54
- Consistency 72
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Southern Michigan Bank & Trust the right lender for you?
Lenders fund what they know. Southern Michigan Bank & Trust's SBA lending concentrates in Michigan (60 loans) and Retail Trade (19 loans), at an average loan of $668K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $1.7B
- Headquarters
- Coldwater, MI
- FDIC cert
- #5019
- Status
- Active
Where Southern Michigan Bank & Trust lends
Top states by funded SBA volume.
Metro areas where Southern Michigan Bank & Trust funds
What Southern Michigan Bank & Trust funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Retail Trade | 19 | $16.3M |
| Accommodation and Food Services | 9 | $9.2M |
| Manufacturing | 5 | $4.5M |
| Other Services | 14 | $3.6M |
| Construction | 2 | $2.1M |
| Transportation and Warehousing | 1 | $1.7M |
Southern Michigan Bank & Trust SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2011 | 2 | $1.8M |
| 2012 | 8 | $4.2M |
| 2013 | 1 | $150K |
| 2015 | 2 | $511K |
| 2016 | 7 | $3.6M |
| 2017 | 4 | $850K |
| 2018 | 6 | $5.9M |
| 2019 | 2 | $2.4M |
| 2020 | 7 | $2.8M |
| 2021 | 7 | $2.0M |
| 2022 | 8 | $7.5M |
| 2023 | 2 | $534K |
| 2025 | 5 | $7.1M |
| 2026 | 1 | $2.0M |
Related SBA lenders
Other lenders active in Michigan or in Retail Trade.
Comparing lenders? See how to choose an SBA lender by track record.
Southern Michigan Bank & Trust: frequently asked questions
Does Southern Michigan Bank & Trust offer SBA loans?
Yes. Southern Michigan Bank & Trust appears in the public SBA data with 62 funded SBA 7(a) loans totaling $41.4M.
How many SBA loans has Southern Michigan Bank & Trust made?
Southern Michigan Bank & Trust is associated with 62 SBA 7(a) loans totaling $41.4M in the public SBA data (as of 2026-03-31).
What is Southern Michigan Bank & Trust's SBA charge-off rate?
About 0.0% of Southern Michigan Bank & Trust's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Southern Michigan Bank & Trust do most of its SBA lending?
Southern Michigan Bank & Trust's SBA lending in the data is most concentrated in Michigan, and by industry in Retail Trade.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Southern Michigan Bank & Trust SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/southern-michigan-bank-trust/
Free to cite and quote with attribution and a link. Members of the press can reach us via our press page.
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